There is a whole generation of Canadians out there that have no interest in owning - well, anything.

They are happy to rent their apartments.

They take Uber instead of buying their first car.

They AirBnb condos all over the world instead of striving to buy their own cabin.

Heck, they don’t...

First, we determine how much you spend; without knowing what your ideal quality of life now looks like, it’s impossible to predict the future.

Next, how many years until you retire? What will your life cost you at that point?

𝗛𝗼𝘄 𝗺𝗮𝗻𝘆 𝘆𝗲𝗮𝗿𝘀 𝘄𝗶𝗹𝗹 𝘆𝗼𝘂 𝗹𝗶𝘃𝗲? No crystal balls here, but we...

1. You are not in the top tax bracket.

2. You have plenty of TFSA and RRSP contribution room.

3. You do not have excess cash lying around on a regular basis.

4. You are not a business owner.

5. Your risk tolerance is higher than low.

If you check most of these boxes, 𝙥𝙡𝙚𝙖𝙨𝙚 𝙙𝙤𝙣'𝙩 𝙬𝙖𝙨𝙩𝙚...

**𝗪𝗔𝗥𝗡𝗜𝗡𝗚**

This is borderline too insensitive to write, but I think it is important enough to risk offending some. I mean no harm, nor to be overly dramatic - but let's talk!

It breaks my heart to see a fundraiser for a family that is left behind because someone died unexpectedly. Sadly we...